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Following rehabilitation work activities are not eligible for SHIP funding : <br /> • ► Appliances <br /> ► Carpeting which is not part of larger rehabilitation work <br /> ► Tile floor or wall (except in bathrooms) <br /> ► Patio and porch addition <br /> ► Painting which is not part of larger rehabilitation work <br /> ► Building a garage <br /> ► Landscaping, sodding, and similar work <br /> ► Any kind of cosmetic work <br /> ► Swimming pool and similar facilities <br /> Rehabilitation loan amounts shall be based upon a minimum <br /> of two written licensed contractor estimates for the <br /> exact same scope of work , identifying all necessary <br /> rehabilitation work and the expected costs of the <br /> rehabilitation work . Contractors ' estimates must be <br /> based on a work write - up prepared by the county <br /> designated inspector . The applicant shall choose one of <br /> the contractors to complete the identified rehabilitation <br /> work provided that the contractor cost estimate does not <br /> exceed 110 % of the estimate provided by the county <br /> designated inspector . Once the contractor estimate is <br /> selected and the Rehabilitation Loan Amount including <br /> • contingencies established , no additional funds may be <br /> awarded . The contractor estimate must identify all <br /> potential costs ( including building permit fees ) to be <br /> encountered in completing the rehabilitation work . <br /> Change orders must be approved by the county designated <br /> inspector and local housing assistance program staff . <br /> Additionally , the applicant will be required , as part of <br /> the application process , to pay for a credit report when <br /> required . <br /> The applicant or his contractor must obtain a building <br /> permit from the corresponding jurisdictional building <br /> department for all rehabilitation activities . The funds <br /> for rehabilitation loans of less than $ 5 , 000 . 00 shall be <br /> delivered upon completion of all rehabilitation work and <br /> a satisfactory final inspection by the corresponding <br /> Jurisdictional Building Department and the county <br /> designated inspector that all required rehabilitation <br /> activities for the eligible housing unit are completed . <br /> Funds for rehabilitation loans of $ 5 , 000 . 00 or more may <br /> be delivered in individual draws , not to exceed three <br /> draws total , based upon the completion of individual <br /> components of the rehabilitation work and inspection by <br /> the corresponding jurisdictional building department and <br /> the county designated inspector . Each partial draw <br /> • including the final draw of funds shall not be less than <br /> $ 5 , 000 . 00 and it shall be delivered upon completion of <br /> 31 <br />